investing green

World Class

Target Allocationsm Program

Socially Responsible

Lighthouse Investments

What is Target Allocationsm?Being in the right place at the right time.

• Different than Asset Allocation

• Evaluated and Reallocated on a regular basis

• Not Market Timing

• 100% Mutual Funds



Regular Reallocation

• Based on performance-weighted

market and economic indicators

• Based on current economic

conditions

• Quarterly reallocation



Some of the Weighted Market Indicators Used for Reallocation

• Institute for Supply Management monthly report

• Goldman Sachs Commodity Index (GSCI)

• 2 to 10 Year Treasury Note Spread

• University of Michigan Consumer Sentiment

• Long Term Interest Rates

• Dollar Exchange Rate

• Federal Funds Rate

• Copper

• Gold



Portfolio Composition• Only mutual funds

• Market Sectors from fixed income to equity

• Allocated into the sectors that we feel will outperform during the next quarter

• Has varied from 100% equity to 100% fixed income

• Most quarters are predominantly comprised of equity sector investments



Portfolio Decision Making

1. Weighted economic and market indicators

2. Screen total available funds using Morningstar

3. Various performance and risk measures are used to determine funds (annual performance, Morningstar rating, Sharpe

ratio, and average annual performance)

4. Screen each fund if Socially Responsible or Values Based portfolio

5. Evaluate prospectuses to determine minimum holding period and possible redemption fees



Available Portfolios

• Aggressive Growth

• Moderate Growth

• Conservative Growth

• Balanced



Target Allocation Models

• Socially Responsible (Green) Target Allocation

• Values Target Allocation

• Fundamental Target Allocation



Socially Responsible Portfolios commonly referred to as Green or

Environmentally Friendly

Socially Responsible(Green)

Target Allocation



Potential Screening Criteria

Portfolios composed of mutual funds

identified by Morningstar as Socially

Responsible verified by investigation of

company website and prospectus.



A Systematic ApproachTo all

Aspects of Portfolio Management



Focus on Continuous Improvement

in Portfolio Returns and Risk

Control



Questions?

Money Concepts International, Inc.11440 N. Jog Road

Palm Beach Gardens, FL 33418

Tel: 561.472.2000

www.moneyconcepts.com

All Securities through Money Concepts Capital Corp. Member FINRA/SIPCMoney Concepts Advisory Service is a Registered Investment Advisor with the SEC

All Non Securities and Non Advisory Products through Money Concepts International, Inc.

Providers of Financial Services Since 1979

investing green

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